| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $234K | $29K | $263K | 7.32% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $8K | $32K | 13.31% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200, SUITE 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.68% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $8K | $32K | 13.31% |
| WADLEY FINANCIAL GROUP, LLC3 | 1148 SATELLITE BOULEVARD SUITE 101 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.68% |
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP LLC | 415 HORIZON DRIVE SUITE 200 SUWANEE, GA 30024 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 12.35% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $5K | $20K | 12.96% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200, SUITE 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $963 | $963 | 0.63% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $4K | $18K | 12.89% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200, SUITE 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $854 | $854 | 0.61% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.24% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200, SUITE 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $238 | $238 | 0.53% |
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP LLC | 415 HORIZON DRIVE SUITE 200 SUWANEE, GA 30024 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 11.67% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $947 | $5K | 12.64% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200, SUITE 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $219 | $219 | 0.61% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $393 | $5K | 21.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $264 | $264 | 1.26% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $583 | $2K | 13.08% |
| WADLEY FINANCIAL GROUP, LLC3 | 1148 SATELLITE BOULEVARD SUITE 101 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $115 | $115 | 0.61% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $414 | $4K | 22.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $198 | $198 | 1.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 514 | $3.6M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 899 | $258K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 514 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $257K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $162K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $169K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.